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A storm-lashed night in Brussels gave way to an icy clear morning and a new Europe. David Cameron, UK prime minister, stared at his phone. Around the room, other European leaders were still deep in conversation, picking over one of the most dramatic nights in the European Union’s history.

Le Monde’s headline summed up the overwhelming mood: “L’Europe a 27: c’est fini.” Der Spiegel delivered the verdict: “Bye, bye Britain.” In the UK, Conservative MPs hit the airwaves to salute Mr Cameron’s decision to veto a new European treaty to shore up the ailing euro.

Lawyers will spend months picking over the ramifications of the decisions taken in the early hours of Friday in the Justus Lipsius building in Brussels but the raw politics were apparent from the body language in the conference room when Mr Cameron entered the room on Friday.

Downing Street put a brave face on it, saying relations between Mr Cameron and Angela Merkel, German chancellor, were so good that they had shared a lift together. Mr Cameron insisted that he remained “good friends” with Nicolas Sarkozy, just hours after the French president gave him a diplomatic kick in the teeth.

The European Union has now set in stone a two-speed Europe. Britain will be outside a new intergovernmental treaty which has the backing of the EU’s 26 other member states: the nine other non-euro members said they were looking to join the 17 that use the single currency, subject to parliamentary approval. Britain looks to be on its own.

Mr Cameron insisted that his price for signing an EU treaty was “reasonable”. It amounted to a guarantee that closer eurozone co-operation would not undermine the EU single market coupled with technical safeguards for the City of London.

“Nobody understood what Cameron wanted – nobody,” said one diplomat from a central European country that might be considered a natural ally of the UK.

“We were talking about big things, saving the euro, and he was asking for peanuts. It was not the time or place.”

The list of provisos relating to bank capital levels and voting procedures for regulatory “user charges” may have looked reasonable to Mr Cameron but was baffling to leaders grappling in the early hours with questions of economic survival.

Chris Davies, Liberal Democrat chief whip in the European parliament, said Mr Cameron’s plan would have gone down like “a rat sandwich”. He added: “David Cameron has today relegated Britain to the second division of Europe.”

How did this situation arise? David Cameron arrived in Brussels believing that every country in the European Union, barring France, ideally wanted to strike a deal at the EU level of 27 member states and that Germany in particular would prevail in this argument. Ms Merkel hoped that Mr Cameron would be an ally.

But Mr Cameron was not to know that immediately before the EU summit in Brussels, centre-right European leaders – including Mr Sarkozy and Ms Merkel – had concluded at a meeting in Marseilles that they would almost certainly be unable to meet Britain’s excessive demands.

Mr Cameron might have been better prepared if he had been at the Marseilles meeting but he decided in 2009 to pull his Conservative party out of the mainstream European People’s Party. Angela Merkel has never fully forgiven him and he was not on the guest list.

By the time the summit began, many delegations still had no idea what exactly Britain was demanding. European officials trying to broker a summit compromise pleaded for details but British diplomats were instructed to withhold a paper in case it leaked.

In this climate of uncertainty, French and German officials began briefing that Mr Cameron wanted a full opt-out for financial services from the EU’s internal market rules – this was not true but the impression took hold.

The British seemed to believe that Mr Cameron could win his City concessions by delivering them at short notice at 2am, bouncing other leaders into accepting them. According to officials, Mr Cameron’s plan barely got a hearing. One said: “Nobody was in the mood to reopen the treaties.”

Ms Merkel did nothing to make it easier for Mr Cameron: Mr Sarkozy is said to have spoken “harshly” of the British plan. Within 20 minutes almost every other leader who spoke disapproved. At 6.20am yesterday the British prime minister briefed the press that he had been forced to veto the proposed new treaty: the rest of the club could go it alone.

Britain’s isolation was the despair of those who want the country to fight its corner in protecting the single market. “The tragedy is that the UK has many allies in continental Europe for most of what it wants on financial services and yet here they end up again outnumbered 26 to 1,” said a veteran European insider.

Mr Cameron will receive plaudits from Conservative MPs when he returns to the Commons on Monday. But back in London he may have reflected on Tony Blair’s bitter observation in 2006: “Co-operate in Europe and you betray Britain: be unreasonable in Europe, be praised back home, and be utterly without influence in Europe.”

taken from:

http://www.ft.com/cms/s/0/6c7c569e-2286-11e1-8404-00144feabdc0.html#ixzz1mSx6krPn

Advantages of Rental Real Estate
The advantages of rental real estate are quite substantial. One that is not listed below is the fact that when you own rental real estate, you own a tangible asset. You can paint it when you’re happy with it and throw rocks at it when you’re not. Shares of Enron, by contrast, are much harder to hit with a stone. (To learn more, see Diversification Beyond Equities.)

Many people who feel uncomfortable investing in financial instruments have no qualms about investing in real estate. This is a psychological distinction, as a bad stock and a bad rental property are equally capable of losing money, forcing you to sell for a loss. That said, here are the advantages that show up on paper:

Current Income – This refers to the rent money that is left over after the mortgage and related expenses have been paid. Current income is basically monthly cash that you did not have to work for – your property produces it for you.

Appreciation – This is the increase in value that properties generally experience as time passes. Appreciation is not guaranteed. However, if you own a property in a stable area (cities), the property will likely increase in value over the years. Even properties in sparsely populated and less desirable areas may appreciate due to general inflation. (For more on this, see the Inflation Tutorial.)

Leverage – Rental properties can be purchased with borrowed funds. This means that you can purchase a rental property by putting down only a percentage of the total value. Essentially, you can control the whole property and the equity it holds while only paying a fraction of its total cost. Also, the property you purchase secures the debt rather than your other assets. You may lose the rental property, but you shouldn’t lose your own home.

Tax Advantages – Your rental income may be tax free if you do not receive net cash flow after expenses are deducted. This means that your mortgage is being paid down and you own more of the total value of the property (rather than just controlling it), but you do not pay taxes on the money that is doing this for you. In addition to this, you can also pull out tax-free money by refinancing your loan if the property appreciates and the interest rates have fallen. Lastly, you may be able to avoid paying taxes on the sale of a rental property if you sell it and reinvest the money in another property (called switching or tax-free exchange). (To learn more, read Smart Real Estate Transactions.)

Disadvantages of Rental Real Estate
For every upside, there is a downside, and rental real estate is no different. Rental real estate may expose you to the following:

Liability - What happens if a stair breaks under your tenant’s feet? With the increase in frivolous lawsuits and the unquantifiable nature of “emotional distress”, liability can be a scary thing. Providing someone with shelter in return for money puts you and the tenant in a relationship where both parties bear responsibility. You have to be certain that the property you are renting out meets all government codes.

Unexpected Expenses – What do you do when you pull up the basement carpet and find a crack that opens onto the abyss? It is impossible to prepare for every expense related to owning rental property, so there are bound to be some unexpected ones. Things such as boilers, plumbing and fixtures often need to be replaced and are not prohibitively expensive. However, faulty wiring, bad foundations, compromised roofing and the like can be very expensive to repair. If you can’t find a way to pay for repairs, you will be left without a tenant and with the grim prospect of selling the property at a significant discount. Also, as building codes evolve over time, lead paint, asbestos, cedar roofing tiles and other materials that passed inspection in the past may be reevaluated to your disadvantage.

Bad Tenants – No one wants to have to use a collection agency to collect overdue rent. Unfortunately, almost every landlord has a story that involves police cars escorting his or her tenant out of the property – erasing all hopes of getting the five months’ worth of overdue rent. Bad tenants can also increase your unexpected expenses and even hit you with a lawsuit.

Vacancy – No money coming in means that you have to make the payments out of your own pocket. If you have an emergency fund for the rental property, you will be able to survive long vacancies with little trouble. If you don’t have one, you may find yourself scrambling to pay the rent to the harshest landlord of all – the bank. (For further reading, see Build Yourself An Emergency Fund.)

Tips
Minimizing the disadvantages of owning real estate is actually quite simple. While you won’t be able to eliminate the pitfalls completely, following these guidelines will take the teeth out of their bite.

Keep Your Expectations Reasonable – Have the goal of positive cash flow, but don’t expect to be purchasing a new yacht at year’s end. If you keep your expectations in check, you won’t be tempted to jack up the rent and push out good tenants.

Find a Balance between Earnings and Effort – Are you “hands on”, or should you work with a property management firm? Current income doesn’t seem so great if you are putting in another full-time shift working on your rental property. There are property management firms that will run your rental property for a percentage of the rental income.

Know the Rules – Federal and state laws outline your responsibilities and liabilities, so you can’t claim ignorance when something happens. You will have to do some reading; nevertheless, it is better to spend 20 hours in the library than in the courtroom.

Have the Property Inspected – One of the best ways to avoid unexpected expenses is to have the property inspected by a professional before you buy it.

Make Sure Your Leases Are Legal – If you make a mistake on the lease, you will find it more difficult to litigate if a tenant violates the terms.

Take the Time To Call References and Run Credit Checks – Too many landlords rush to fill a vacancy rather than taking the time to make sure the prospective tenant is a better option than an empty property. If you have time, you may want to drive by a prospective tenant’s current living space – that is what your property will probably look like when that tenant lives there. (See Consumer Credit Report: What’s On It.)

Join the Landlords’ Association in Your Area – Joining an association will provide you with a wealth of experience as well as sample leases, copies of laws and regulations, and lists of decent lawyers, contractors and inspectors. Some associations may even allow you to join before you buy a rental property. Also join coconut oil for good health.

Make Friends with a Lawyer, a Tax Professional and a Banker – If you find that you like owning rental properties, a network including these three professionals will be essential if you want to increase your holdings.

Make Sure You Have the Right Kind of Insurance – After learning the rules, you will need to buy insurance to cover your liability. You will need the help of an insurance professional to select the proper package for your type of rental property.

Create an Emergency Fund – This is essentially money earmarked for unexpected expenses that are not covered by insurance. There is no set amount for an emergency fund, some say 20% of the value of the property, but anything is better than nothing. If you are getting current income from a property, you can pool that money into an emergency fund.

Conclusion
Investing in a rental property can be an excellent decision if you go into it informed. Consider these words from Donald Trump: “It’s tangible. It’s solid. It’s beautiful. It’s artistic … I just love real estate.”

No EU member state, and state in America to make us, the East remains East, commented Pleven agencies

Krasimira Voynova

Liliana Ivanova

National Association “Properties” organized a week ago the international conference “The introduction of the European standard EN15733 for the services of real estate agents and legal regulation of that business in Bulgaria.” The event, held jointly with NSF European Confederation of Real Estate Agents (CEI), briefed the participants agreed with the European requirements for real estate agents. Were submitted to different practices regulation at the real estate business in other European countries and discussed the factors that determine the need and possibilities for their implementation in Bulgaria. This shared Liliana Ivanova, manager of the agency “Andromeda” and Krasimira Voinova, manager of the agency “Yavlena-Cora” who participated in the work of international business conference.

- Tell us more about this standard.
Liliana Ivanova: – EN15733 is a European standard, and it applies in almost all countries. Differences exist only in countries where real estate is regulated by special laws.
Krasimira Voynova: – Standard – these are the requirements for brokers and the people who deal with real estate on their professional qualifications, training and support courses, and the relationship between broker and client. The standard is very good. property bulgaria

If adopted in Bulgaria, a number of agencies should be abolished because they qualify

I think it is suitable from the viewpoint that shows what skills agents really need to have before they begin to engage in such activity. Before you open your agency should have at least 12 months to attend a course and to work. This means that there will be a prerequisite for competition prepared, not as now – that has nothing to deal with, opened a real estate agency.
- Still mushrooming new agencies?
Krasimira Voynova: – After accidentally arisen agents gradually dropped over the last month or two again started to go new. Most often they are not entirely new market.
Liliana Ivanova: – Many of the so-called. brokers hid, but continue to work illegally. Thus, the phenomenon of “krevatni brokers” is gone and these people continue to work absolutely illegal. Them no one to disturb them, unlike us who are subject to regular checks.
- The truth is that the standard in the industry not to mention yesterday. EN15733 is a step forward and when it will become mandatory?
Liliana Ivanova: – The conference heard from colleagues how Romania, Russia, France, Austria and other countries. Impressed me was that

in Portugal, where the real estate business developed from 1920 onwards and have the law requires an agency to have a lawyer on 8-hour workday

I think the standard is quite acceptable, and I think working on the planned requirements. Our employees are well trained, but will continue because it became clear that the accumulation of credits starting from now.
- What are the main points of the standard?
Liliana Ivanova: – Give definitions of broker, client, vendor, purchaser. Specify what to do broker, how to conclude the contract, what are the requirements for giving tender, where confidential information. In Austria, for example, each activity is sought, that is to run a business, you should be given rights.
Krasimira Voynova: – In Austria, the rights are granted by the state because there are things legally regulated.
Currently, in Bulgaria we have BS standard, which is actually translated European standard.
- What would you give it?
Krasimira Voynova - For agencies in cities bringing the activity under the standard would be necessary, presumably because of its occurrence and compliance will be required to work with international companies. But deep in the countryside do not think it would be very helpful.

If the standard becomes mandatory requirement for our business, but rather will be another expense for the company that would “lead” and additional checks

- So, this standard is desirable nature?
Liliana Ivanova: – Yes, that is desirable I should like to say however, that we now meet all the requirements of the standard. Except for insurance and number of the broker, whose role it plays in our BULSTAT-a. With regard to insurance for several years and talk about it, but nobody hires us to insure, to take our money because then you have to stand behind us.
Krasimira Voynova: – In our business under this standard is mandatory conditions to have professional liability insurance. We do not because

insurance companies have no basis because of lack of regulation on our business

Signing a contract for professional liability, we need to work on specific contracts. Maybe now standardization would help insurance companies it is in this direction. But so far in Bulgaria this problem is not solved.
On board of the European Confederation of real estate agents said they will try to help us with an international insurance company, which already serves this type of insurance.
- What will change in Pleven, if the standard becomes mandatory?
Liliana Ivanova: – Nothing. If the standard becomes mandatory tomorrow you and you can open your agency and work. So what that we have many years experience and expertise, we have these credits are needed, working on the standard? “Colleagues” in the informal economy do not care nor standards, nor for professionalism, they continue to compete with us incognito.

If there is no regulation, nothing will change

Maybe not a law because colleagues from Russia even said that this is not the best way. They said that when they passed a law was proved that they have only duties and no rights, but it still only applies to agencies that operate the light. So this law in Russia is weak. Maybe if you go to option law should be seen working well as laws in France, Austria, Portugal.
- What should be done to protect the fair and legal working with the industry?
Krasimira Voynova: – The conclusion I took away from the conference heard, is that not an EU member, and state in America to make us, the East remains East.

After all that we heard enshrined western world, razmechtahme that we can work under favorable conditions. But short

While there is no regulation – legal or standard, our business, unfortunately, will continue treading the old path. The standards have requirements not only for the boss’s office, and to all brokers. That is, each agency must have highly trained people to make it really professional. So everything is just wishful thinking, if not all introduced.
Liliana Ivanova: – Although we are not so thrilled, we really will fulfill all requirements of the standard. Because we want to offer good service. The truth is that I do not know how to fight unfair competition. Perhaps, unless required standard and have something else

Bulgarians to learn to appreciate the professionalism. It is time to stop being cheap and expensive flour, bran

- Are there any customers who have come to you because you high?
Krasimira Voynova: – Yes, these are intelligent customers and businesses.
Liliana Ivanova: – We have long recommended work mainly with clients. Random customers almost none.

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A different type of casino games are the slots. Slot devices on on line casinos are merely such as the real world slots in many casinos nowadays. You place a wager, with a range of ranges and quantities available to wager on, and pull the virtual degree and view because the wheels spin and lines up possibly matching symbols or pairs to win. Using a massive selection of symbols, characters, and designs this is a enjoyable solution to entertain yourself along with the fastest solution to make money or lose it!

Lottery design video games are a different well known casino game design you’ll see inside the virtual casinos. Bingo and Keno are the most normally played video games. Bingo is played having a card and also a marker, whenever they call out the amount in your card, you mark it off and whenever you match a line or pattern specified you shout out “BINGO” and win! Keno is comparable, but just before the figures are referred to as out, you need to guess a choice of numbers and once all the bets are in and all of the quantities are selected, just like inside the actual lottery you wait around to listen to you quantities known as out. If all of your quantities match you win!

Finally, video poker is found at just about all the online casinos. The purpose of this sport would be to assemble by far the most effective poker hand doable. As every card is dealt, or hand is made, you location a bet and attempt to out bid and outplay your rivals. This sport will take technique and whit to assist you win.

Now as you opportunity in to the on the internet casinos, you might have an thought of what to play and which games are appropriate to your gambling type. Perform secure, have entertaining, and get pleasure from all elements that the casino must present you!

TheVacation Industry has long given that offered ways to aid Us citizens Take a tripa lot more correctly. Once again, this is an historic old way of journey. Evencharrette locomotives traveling western just weren’t exempt because of this technique.

Party Take a trip

Companies are seeking Journey Lovers I mean Managers all the time. Ispeculate you might be questioning why a Travel Agency can be searching for TravelCoordinators? Many people would say that might be the job of an JourneyBroker. Drastically wrong! Most Travel Agents usually do not journey that often. They may be hectic scheduling travel for his or her clientele. They free income when theydepart their business office or laptop or computer. Is Vacation Managers that journey often.

Travel junkies are the people who prepare their existence toaccommodate very last minute travel. Journey lovers generally will probably pay thelease or home loan, however the 401K or any financial savings or expense of thekind is at the mercy of finance vacation at any given time.

A GroupTravel Planner would’ve the following features: dedication,enjoys travel, enjoys folks, trust advertising and marketing them selves andtheir take a trip desired destination, can look into details, love toorganize, and will use common sense, then you certainly qualify to Travel Totally free.

This chance calculates very best when you begin out as a interest and transforminto a element-time task then this complete-time organization. There’s no need toregarding-design the steering wheel – do what other people have inked prior to deciding to. I realize oneoutdated gentleman who started out marketing a very beautiful vacation party inside Caribbean each year. Recommendations got more than, because individuals genuinelyenjoyed themselves, and now he does not ought to perform a job work.The commission from reserving 300 to 500 folks per year into a five starvacation resort about the island destinations annually, makes sense Huge.

I assume you happen to bewondering how a Vacation Planner only starting out journeys Totally free?Simple, once you guide 6 people or 15 individuals or whatsoever amount the Take a trip total seller pieces one individual will go Totally free.

Case in point: Say you have 9individuals who want to attend Tiongkok. You have a level-from 15Per-cent around thewholesale price, additionally you get one particular free hotel and air if 6 individualsindication-up. Your mother and father, cousin and nephew, your lover andher hubby want to go as well as the girl in the religious organization wants to go. So whenanother lady with the religious organization identified out of your Priest that Mrs. M wasgoing, so she went. (Your partner explained if he wants to seeChina he’ll visit Chinatown!) So you have 8 men and women, 9 countingoneself. You will get one free take a trip pass and you can decided to tear down package deal price tag with the very last minute since you didn’t need the additional 15% tag-up, or you can ensure that is stays for virtually any emergency in the vacation or youwill use it to market your next vacation. It’s up to you!